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But better.

Smooth saving. Instant insights. Beautifully organised bills.
Starling is the full, free UK bank account you can open from your phone.
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Overdigital bank accounts opened.

Know your worth.

Never ask ‘where’s it all gone?’ again.
Get instant alerts whenever you spend. Decide where to cut back or keep going, with a deep dive into your spending habits.
Apply now

Outsmart bills.

Always know what you’ve got left to spend.
Pay bills automatically from a ring-fenced Space in your app (and get a reminder the day before they’re due). We’ll even move the money over for you.
Meet Bills Manager
A woman is holding a Starling Bank card
Bills Manager example

Smash your saving goals.

Holidays. Rainy days. Lay out multiple goals, beautifully. Track your progress, effortlessly.
Create Saving Spaces, add images and switch on Round Ups to get there faster. Or set money aside to keep key business costs organised.

Got a bigger chunk gathering dust?

Make the most of it. Earn 5.36% AER/gross interest with a personal account Fixed Saver.

Turn IOU into phew.

It’s payback time.
Send and request payments, without the awkwardness. Fire off a quick link to settle up, or split the bill at dinner with a tap of your app.
Apply now
A woman using the Starling app on their phone

Rule every budget.

Create budgets, then spend from them directly by assigning a virtual debit card – use it online or add to your mobile wallet to pay in-person.
Doing the big shop? Pay with your ‘Groceries’ budget. On holiday? Spend from your ‘Weekend Away’ Space.
Tell me more
Pink-coloured virtual card example with Mastercard logo and a text 'Virtual' next to circle icon in the top right corner.

Spend fee-free overseas.

Pay like a local, anywhere in the world that accepts Mastercard™.
Unlike most banks, we’ll never mark up the exchange rate. Bon voyage.
Apply now

Meet the bank that never closes.

Night shift? New timezone?
No bots, no call time targets. Talk to our UK-based team 24 hours a day, every day of the year.
Help, I’ve lost my bank card
Starling Bank
Okay, don’t worry.
You can ‘lock’ it in app with just a tap.
Oh, that’s a relief. Thanks!
Starling Bank is typing...

Breathe easy with secure banking.

World-class banking security, at your fingertips. From logging in to making payments, keep your money under lock and key (and code and fingerprint) with industry-leading security features.
A phone in the hands with the homescreen of the Starling Bank mobile app

Everything you need.

  • FSCS protection up to £85k
  • 24/7 UK customer support
  • Instant card locking
  • Overdrafts (if eligible)
  • Fully regulated UK bank
  • Scan cheques in-app
  • Instant notifications
  • Use with mobile wallets
  • Cash deposits
  • Direct Debits
  • 100% digital sign up
  • No fees overseas
  • Split the bill with friends
  • Virtual cards
  • World-class security features

Nothing you don’t.

  • No card-readers
  • No hidden fees
  • No branch queues
  • No fees for spending abroad
  • No call time targets
  • No bots
Graph showing independent service quality results, first sharing place Starling bank and Monzo with 81%. Third place first direct 78%. Fourth Metro bank 69%. Fifth NationWide 68%.

Independent service quality survey results.

As part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal and business current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family. See Starling’s results for personal accounts and business accounts.
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Apply for a bank account in minutes from your phone.

Every bank account with Starling comes with no monthly fees, the toughest security features and a Mastercard™ bank card.